8:54 AM, 5th January 2022, About 5 months ago 4
Between Christmas and New Year, we became aware of a problem regarding consent to let on our home.
I bought a property a while back and in 2018 was offered a job elsewhere. I called my lender, HBOS, and had a lengthy interview, discussion and debate about consent to let. I was told that this was approved and that a 1.25% fee would be applied. I agreed on this.
Following this, the job didn’t happen, and I met someone. I called my lender and explained this, and they said it wouldn’t be a problem – this was January 2019. At that point, I updated my correspondence address and everything was in place.
So now I’ve called to see if they can do a deal on a Buy to Let mortgage as the original mortgage is coming to an end. The person on the end was fantastic and all seemed well until she asked about a different correspondence address. I again explained why, and she said that I didn’t have consent to let, and never had. They had no record of any agreement.
She then said not to worry, and she would speak to a manager about what to do next. I’m still pursuing offers with other lenders and have a few deals on the table, but I’m concerned.
What might happen about this miscommunication? My defence would be that I explained this at every point, and have had a different correspondence address for nearly 4 years. Although, somewhat naively, I can only find the scrawled notes I made during the initial call, which are quite detailed about fees and next steps…
Any advice recommended for a stressed couple?
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